Several studies have found evidence that individuals' attitudes toward finances are related to their spending habits, financial practices, and behaviors. This is identical to the habits of people who tend to be consumptive and have the habit of shopping and allocating their money for short-term things. This phenomenon shows that in-depth knowledge of financial literacy makes financial literacy education indispensable to educate people who are aware and understand how to manage finances wisely and according to their needs. This research was carried out by involving Youth Organizations in 191 villages in Gorontalo Regency. This research is a type of phenomenological research with a qualitative approach. Data was collected by using observation, interview and documentation methods. The results of the study found that knowledge about financial literacy has not been maximized. Especially in accessing and using the services and products offered/provided by financial institutions such as banks, financial institutions (finance) and pawnshops. Knowledge of financial inclusion is limited to the types of services in the form of transfers and payment transactions using online mode. As for product knowledge, respondents only know about products in the form of Savings and Current Accounts as well as loan products. Meanwhile, the products and services provided/offered by financial institutions are quite a lot in accordance with the types of activities/transactions needed by the community.

Keywords : Financial Literacy; Financial Inclusion.